This paper describes a large-displacement formulation for a 3-D, interface-cohesive finite element model and its application to predict ductile tearing in thin aluminum panels. A nonlinear traction-separation relationship defines the constitutive response of the initially zero thickness interface elements. Applications of the model simulate crack extension in C(T) and M(T) panels made of a 2.3 mm thick, Al 2024-T3 alloy tested as part of the NASA-Langley Aging Aircraft program. Tests of the M(T) specimens without guide plates exhibit significant out-of-plane (buckling) displacements during crack growth which necessitates the large-displacement, cohesive formulation. The measured load vs. outside surface crack extension behavior of high constraint (T-stress > 0) C(T) specimen drives the calibration process of the cohesive fracture model. Analyses of low constraint M(T) specimens, having widths of 300 and 600 mm and various a/W ratios, demonstrate the capabilities of the calibrated model to predict measured loads and measured outside surface crack extensions. The models capture accurately the strong 3-D effects leading to out-of-plane buckling and various degrees of crack front tunneling in the C(T) and M(T) specimens. Previous analyses of these specimens using a crack tip opening angle (CTOA) criterion for growth show good agreement with measured peak loads. However, without the ability of the interface-cohesive model to predict tunneling behavior, the CTOA approach overestimates crack extensions early in the loading when tunneling behavior dominates the response. (C) 2002 Elsevier Science Ltd. All rights reserved.